Consultant, Business Systems Analysis

CIBC; Toronto; Hybrid; CAD 90,000 - 120,000; Full time

Job summary

CIBC is seeking a Consultant, Business Systems Analysis in Toronto to lead complex projects that align with the enterprise architecture roadmap. You will gather requirements, design solutions, and guide a cross-functional team to deliver end-to-end implementations with a focus on client value.

The role supports a hybrid model with 1–3 days on-site per week, and requirements include deep credit risk knowledge and SQL proficiency. A strong client focus and collaborative mindset are essential.

Qualifications

• 5–8 years experience in credit risk with advanced SQL proficiency.
• Familiar with IFRS 9 ECL framework and PD/LGD/EAD concepts.
• Ability to gather requirements and design solutions with business partners.

Responsibilities

• Understand and document requirements with business partners.
• Design client-focused solutions and validate design docs.
• Provide guidance to a diverse project team during implementation.

Skills

SQL Queries

Credit risk concepts

Data analysis

Problem solving

Education

Computer Science or related field

Tools

DataBricks

Hadoop Hive

Oracle

Netezza

SSMS

Job description

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit CIBC.com

What You'll Be Doing

You’ll be joining CIBC’s team, as a Consultant, Business Systems Analysis. You’ll lead complex projects to design strategic solutions aligned to CIBC’s enterprise architecture roadmap. As a Consultant, Business Systems Analysis, you’ll support end-to-end project implementation and act as a subject matter expert in both business and technology. You’ll ideate and collaborate with a diverse team to create and set up flexible, innovative solutions that deliver a best-in-class client experience.

At CIBC we enable the work environment most optimal for you to thrive in your role. To successfully perform the work, you’ll be on-site full-time. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote.

How You'll Succeed

• Understanding and Documenting Requirements- Work closely with business partners to gather complicated business requirements and facilitate solution design discussions to ensure you meet project needs. Create strong relationships, lead discussions, listen and ask the right questions to ensure solutions meet requirements.
• Solution Design- Assemble client-focused solutions that meet business requirements. Prepare and validate solution design documents around areas such as scope clarification, solution requirements, and quality assurance.
• Team Management- Support end-to-end project implementation as a subject matter expert, and provide guidance to a diverse team of technology and project professionals. Maintain a collaborative work environment and support team members to resolve organizational, operational, and process problems.

Who You Are

• You demonstrate 5-8 years experience in. Must have advanced proficiency in SQL Queries and extensive experience in core credit risk concepts, including Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), default definitions, delinquency, collateral, risk ratings, and portfolio segmentation. DataBricks, Hadoop Hive, Oracle, Netezza, SQL Server Management Studio is an asset. Familiarity with For the IFRS 9 Expected Credit Loss (ECL) framework, they should understand Stage 1, Stage 2, and Stage 3 classification, 12-month versus lifetime ECL, and the high-level mechanics of ECL calculation, including the use of PD/LGD/EAD, forward-looking macroeconomic scenarios, stage transfer logic, and overlays or expert judgment adjustments that influence final impairment results.
• You put our clients first. You engage with purpose to find the right solutions. You go the extra mile, because it's the right thing to do.
• You’re goal oriented. You’re motivated by accomplishing your goals and delivering your best to make a difference.
• You're passionate about people. You find meaning in relationships and surround yourself with a diverse network of partners. You connect with others through respect and authenticity.
• You love to learn. You're passionate about growing your knowledge. You have a strong sense of curiosity.
• You’re a certified professional. You have Computer Science, or a related field of study.
• Values matter to you. You bring your real self to work and you live our values - trust, teamwork, and accountability.

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.

• We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.
• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.
• We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.
• Subject to plan and program terms and conditions

What You Need To Know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact [e-mail]
• CIBC is committed to clarity in our hiring process. All roles posted are opportunities we’re actively recruiting for, unless stated otherwise.
• You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.
• We may ask you to complete an attribute-based assessment and other skills test (such as simulation, coding, French proficiency).
• We use artificial intelligence tools during the recruitment process. Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

Job Location

Toronto-181 Bay St. 6th

Employment Type

Regular

Weekly Hours

37.5

Skills

Agile Thinking, Business Requirements Analysis, Communication, Critical Thinking, Domain Knowledge, Operational Efficiency, Problem Solving, Process Design, Python (Programming Language), Technical Writing